IVVY (ivvy)

US consumer savings are falling at an alarming pace: The US personal savings rate fell -0.2 percentage points in November 2025, to 3.5%, the lowest since October 2022. Excluding the March-October 2022 period, this is the lowest level since the 2008 Financial Crisis. This percentage has declined -2.0 points since April 2025. Over this period, personal savings have fallen -$469.2 billion, or -37%, to $799.7 billion, the lowest since November 2022. By comparison, the April 2020 peak was $5.96 trillion, or 7.5 times higher. US consumer savings are now running 3.0 percentage points below the pre-pandemic 5-year average. Pandemic savings have been entirely depleted.

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Source: Fortune https://share.google/e6bUwHlbYOtlIv2Te

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Japanese investors are a crucial part of US markets: Japanese holdings of US bonds and stocks totaled $2.22 trillion at the end of 2024, according to Bank of Japan data. This is followed by investments in the Cayman Islands, France, and the UK at $834 billion, $179 billion, and $150 billion, respectively. In other words, Japanese exposure to the US is TWICE as large as their combined positions in these 3 countries. Furthermore, total foreign assets owned by Japanese investors rose to $4.95 trillion in Q3 2025, near an all-time high. This comes as they held $2.54 trillion in equity and investment-fund shares and $2.41 trillion in debt. What happens if these investors start bringing money back home?

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$XRP Long-Term Forecasts: Price Predictions for 2026, 2027, 2028, 2029 and 2030. https://share.google/LsXXPjUwffNzrg9kz

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